Mortgage Loan Originator in the NY or NJ and surro
Company: UNMB Home Loans Inc
Location: Levittown
Posted on: August 6, 2022
Job Description:
Job DescriptionSUMMARY: The originator assists the borrower in
determining the proper loan program, completing the loan
application and gathering the necessary paperwork to begin the loan
process. The mortgage loan originator communicates with title
officer, escrow officer, loan processor and underwriter.DUTIES AND
RESPONSIBILITIES:The following reflects management's definition of
essential functions for this job but, does not restrict the tasks
that may be assigned. Management may assign or reassign duties and
responsibilities to this job at any time due to reasonable
accommodation or other reasons.
- Prequalifies mortgage loans by taking application and examining
supporting documentation; estimating credit-worthiness; calculating
repayment risk.
- Protects UNMB Home Loans Inc. image by keeping mortgage loan
information confidential.
- Updates job knowledge by participating in educational
opportunities; reading professional publications; maintaining
personal networks; participating in professional
organizations.
- Ability to provide excellent customer service through use of
effective listening and problem-solving skills
- Excellent verbal communications skills
- Knowledge of State/Federal regulations to maintain loan file
compliance
- Responsible for prompt, courteous internal and external
customer service in a professional manner
- Participates and contributes to a positive work environment
which encourages team commitment to corporate and department
goals
- Ensures compliance with all laws, rules, regulations, and
prescribed policies/practices/procedures necessary to reduce risk
and uphold ethical standards related to and required by one's
duties.SUPERVISORY RESPONSIBILITIES:Nature of Supervisory
Responsibility: NoneQUALIFICATIONS:To perform this job successfully
an individual must be able to perform each essential duty
satisfactorily. The requirements listed below are representative of
the knowledge, skill and or ability required.
- Interview applicants to obtain information for loan
applications and to answer questions about the process of obtaining
a home loan.
- Analyze applicants' financial status, credit, and property
evaluations to determine feasibility of granting loans.
- Explain to customers the different types of loans and credit
options that are available, as well as the terms of those
services.
- Obtain and compile copies of loan applicants' credit histories,
corporate financial statements, and other financial
information.
- Work with clients to identify their financial goals and to find
ways of reaching those goals.
- Encompass training, Outlook, Paperless, and general website
training.
- Knowledge of Conventional, FHA and VA guidelinesPHYSICAL/MENTAL
REQUIREMENTS:The physical demands described here are representative
of those that must be met by an employee to successfully perform
the essential functions of this job. While performing the duties of
this job, the employee is frequently required to do the following:
- Coordinate multiple tasks simultaneously
- Sit for long periods of time
- Require close vision and the ability to adjust eye focus
often
- Required to talk and hear
- Required to communicate electronically
- Occasionally required to stoop, kneel, crouch, and crawl
- Required to reach with hands and armsWORK ENVIRONMNENT:The work
environment characteristics described here are representative of
those an employee encounters while performing the essential
functions of the job.
- Environment Conditions - While performing the duties of this
job, the employee does not work in wet or humid conditions
(non-weather), work near moving mechanical parts, work in high,
precarious places, endure outdoor weather conditions.
- Noise Level - The noise level in the employee's work
environment is usually quiet to moderate.EVALUATION AND PERFORMANCE
METRICS
- Employee reviews are completed at end of each month-presented
in the form of a monthly scorecard
- Scorecard-reviews previous month's credit pulls, disclosures
sent, submission, funded loans, volume, and commission
breakdown
Keywords: UNMB Home Loans Inc, Levittown , Mortgage Loan Originator in the NY or NJ and surro, Other , Levittown, New York
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